Национальный банк узбекистана — national bank of uzbekistan

Money transfers[edit]

Since 2002, the Bank has been rendering services of money transfers for individuals based on an agreement on cooperation within money transfers via Western Union system signed with NPO Western Union DP Vostok. In 2006, the subsidiary bank of the National Bank of the Republic of Uzbekistan for Foreign Economic Activity in the Russian Federation — Joint-Stock Commercial Asia-Invest Bank has developed its own money transfer system called Asia Express to transfer money of individuals. The main direction of transfers is the Russian Federation — the Republic of Uzbekistan .

In March 2007, the Bank entered into an agreement on accelerated non-trading transfers via MIGOM system with the European Trust Bank.

In April 2009, the National Bank’s units servicing organizations started Quick Mail operations. Since March 2012, the Bank’s institutions launched MoneyGram transfer system operations.

In April 2012, the Bank signed an agreement with Russlavbank CJSC to connect to Contact money transfer system and have operations to send and pay money transfers via this system in USD and EURO.

In 2013, the Bank became a member of KoronaPay service .                         

In 2013, there were changes in the operation of exchange offices . On February 1, the sale of cash foreign currency was abolished . The Bank adopted the sale of foreign currency to individuals in non-cash form using international payment cards .

September 2017 was marked by an e-commerce project via Visa International cards. The new Internet acquiring (e-commerce) service in Uzbekistan enabled Visa cards acquiring on the global Internet, ensuring an increase in cashless payments and reduction of costs for enterprises, in particular, small and medium-sized businesses.

Foreign economic activity[edit]

Foreign economic activity of Uzbek National Bank is aimed at deepening the economic and commercial relations of the Republic of Uzbekistan with foreign countries, attracting investments and advanced technologies to the country’s economy through cooperation with foreign banks and international financial institutions (IFIs).

The cooperation permanently provides further strengthening of positions of Uzbek National Bank in the global financial market by expanding cooperation with foreign banks within commercial and project financing, attraction of credit lines, international settlements, and treasury operations in the monetary and foreign exchange markets.

Uzbek National Bank has approximately 700 correspondent banks in 81 countries all over the world. The largest partner banks with opened correspondent accounts are such globally famous banks as: JP Morgan Chase, Citibank, The Bank of New York Mellon, Commerzbank, Deutsche Bank, Societe Generale, Credit Suisse, SMBC, MUFG Bank, Sberbank of Russia, etc.

The partners among foreign banks and IFIs are the China Development Bank, the Export-Import Bank of China, the Export-Import Bank of Korea, USA Exim Bank, Gazprombank, VEB.RF, Sberbank of Russia, Credit Suisse, AKA Bank, Raiffeisen Bank, ODDO BHF, NATIXIS, Credit Agricole, Commerzbank, Deutsche Bank, Landesbank Baden-Wuerttemberg, the European Bank of Reconstruction & Development, etc.

On August 26, 2019, in Beijing, the National Bank of the Republic of Uzbekistan for Foreign Economic Activity signed a loan agreement with the China Development Bank (CDB) to attract a credit line in CNY amounted to 500 million under the 5th meeting of Uzbek-Chinese Intergovernmental Cooperation Committee. The CNY loan agreement is the first such document signed with a leading Chinese financial institution in the history of NBU cooperation.

On December 14, 2019, ‘National Bank of Uzbekistan’ JSC signed an agreement to attract funds in national currency to finance small and medium-sized business projects amounted to UZS 953 billion (US$100 million) with Frontera Capital (Great Britain). This is the first transaction of a financial institution to raise funds in national currency.

Инвестиционная деятельность

НБУ — крупнейший инвестиционный банк страны. Крупномасштабная инфраструктура Банка позволяет развивать финансовый и промышленный секторы, которые активно поддерживают экономические реформы в Узбекистане.

Включение капитала в стратегически важные предприятия республики дает возможность участвовать в инвестировании предприятий различных секторов экономики, их модернизации, технологическом и техническом перевооружении.

Бизнесы

Поддержка высокотехнологичных и социально значимых секторов национальной экономики, финансирование модернизации действующих и внедрение новых производств, поддержка малого бизнеса, создание и развитие производств товаров народного потребления на основе переработки местного сырья.

Основные заемщики банка — крупные отечественные производители, малый и частный бизнес.

Основная часть инвестиций направлена ​​на развитие добычи и переработки нефти, машиностроения, пищевой промышленности, цветной и черной металлургии, текстильной промышленности, сельскохозяйственного производства, инфраструктуры связи, транспорта и туризма.

Финансирование объектов национального масштаба

Займы Национального банка задействованы практически во всех отраслях экономики Узбекистана. Большую долю в структурных преобразованиях экономики занимает развитие систем связи — железнодорожных, автомобильных и авиационных. Кредиты также направляются на развитие приоритетных секторов экономики, финансирование модернизации существующих и внедрение новых высокотехнологичных производств, поддержку малого бизнеса, создание и развитие импортозамещающих производств потребительских товаров на основе переработки местного производства. сырье.

Банк имеет системное значение для отчетности и предоставляет кредиты крупнейшим предприятиям Республики Узбекистан под государственные гарантии. Это определяет низкую диверсификацию кредитного портфеля, низкую доходность активов, а также сильную зависимость от финансовой политики Республики Узбекистан.

Ирина Велиева — Эксперт РА, 2009 г.

Банк предоставил финансирование для развития многих стратегически важных объектов бизнеса:

•        строительство Бухарского НПЗ.
•        строительство железнодорожной линии Ташгузар — Байсун — Кумкурган.
•        реконструкция Ферганского НПЗ.
•        модернизация Навоийской ТЭС.
•        реконструкция и модернизация аэропорта г. Навои.
•        обновление и унификация парка воздушных судов НАК «Узбекистон хаво йуллари».
•        поставка горно-шахтного оборудования для Навоийского горно-металлургического комбината.
•        строительство газопровода Ахангаран — Пунган.
•        приобретение сельхозтехники CASE для Ассоциации «Узагромашсервис» и Государственной акционерной внешнеторговой компании «Узпроммашимпекс».
•        строительство завода по производству пропан-бутановой смеси для увеличения производства сжиженного газа на Мубаракском газоперерабатывающем заводе.
•        приобретение автобусов Daimler-Chrysler для Ассоциации «Ташгорпасстранс».
•        приобретение пассажирских электровозов для Государственной акционерной железнодорожной компании «Темир йуллари».
•        модернизация и оснащение существующего парка буровых установок НХК «Узбекнефтегаз».
•        строительство осушки газа на Кунградской компрессорной станции.

А также ряд других реализованных инвестиционных проектов.

Plastic cards[edit]

In 1994, the National Bank joined Visa International and was the first bank in the country to provide Visa Classic plastic cards in the Uzbek market.

On April 10, 1996, the NBU launched the issue and servicing of cards in national currency. In 1997, it adopted the first project in Uzbekistan to issue wages using cards .

In 1998, the Bank adopted a multi-issue banking transfer system using DUET microprocessor plastic cards and established own settlement and emission center in every regional center. In the same year, Visa Electron plastic cards were issued.

In May 2001, the NBU initiated the operation of interbank system of settlements using UZS plastic cards involving the NBU, Pakhtabank and Asaka Bank.

In 2002, the Bank finished development and expansion of the service network for plastic cardholders and the transition from a single-issue to a multi-issue system for plastic cards. This resulted in a network of settlement and issue centers for issuing and servicing cards throughout the Republic, and a large infrastructure of ATM and terminal equipment.

Since May 2003, international VISA cards begin to be additionally serviced by NBU ATMs.

In 2004, due to the Resolution of the Cabinet of Ministers of the Republic of Uzbekistan on Measures to Further Develop Plastic Cards-based Settlement System, the share of plastic cards issued by the NBU reaches 60% of the total number of plastic cards in Uzbekistan.

Since 2007, the NBU has been offering credit overdraft cards issued as part of salary projects .

In 2008, the Bank expanded its network of commercial and service enterprises approving plastic cards for payment from 2,653 to 3,553 units, and as of October 1, 2009 — up to 4,760 .

Since 2009, information kiosks approve payments with UZS plastic cards .

In 2011, the Bank began to issue online plastic cards via EMV standard UzCard interbank payment system.

In 2013, there were changes in the operation of exchange offices . On February 1, the sale of cash foreign currency was abolished . The Bank adopted the sale of foreign currency to individuals in non-cash form using international payment cards .

Since 2016, the National Bank has been a principal member of MasterCard International payment system.

September 2017 was marked by an e-commerce project via Visa International cards. The new Internet acquiring (e-commerce) service in Uzbekistan enabled Visa cards acquiring on the global Internet, ensuring an increase in cashless payments and reduction of costs for enterprises, in particular, small and medium-sized businesses.

In November 2017, the Bank launched Milliy mobile application enabling remote money transfers from one card to another, payment for various domestic and foreign services, opening of deposits, repayment of loans, etc.

Since February 2017, transaction security when paying for goods and services on the Internet using Visa cards of the National Bank became supported by 3D Secure (Verified by Visa) minimizing the risks of card fraud.

In May 2018, the NBU became a principal member of the Union Pay International payment system.

In December 2018, joint efforts of Visa International and Uzbekistan Airways provided the issue of co-branded NAK-NBU Visa Gold and Visa Platinum cards. Their holders were able to receive bonus miles when paying for goods and services in commercial and service enterprises and the Internet. According to the UzAirPlus NAC loyalty program, accumulated miles can be exchanged for upgrading a service class, air ticket, etc.

In February 2019, the NBU began to issue Visa International cards for corporate customers, i.e. Visa Business.

In March 2019, the Bank launched e-commerce project using MasterCard International payment system providing approval of payment via MasterCard for goods and services provided online.

In April 2019, the Bank began issuing contactless cards via VISA International (PayWave Visa) payment system.

In May 2019, the Bank launched contactless acquiring via VISA International (PayWave Visa) payment system. Since May, there is an issue of HUMO contactless cards within National Payment System.

In July 2019, the National Bank supported by Visa International issued the first Visa Infinite premium card in Uzbekistan with exclusive privileges and opportunities.

The number of issued cards as of January 1, 2019 was 2.03 million.

Number of ATMs as of January 1, 2019 is 24,113 units.

Просмотреть все SWIFT-коды страны: Узбекистан

Ниже приведены SWIFT-коды всех банков страны: Узбекистан. Показаны только SWIFT-коды активных участников. Коды пассивных участников (т. е. неактивные коды) исключены из списка.

Investment activity[edit]

The NBU is the largest investment bank in the country. The Bank’s large-scale infrastructure enables development of the financial and industrial sectors that actively support economic reforms in Uzbekistan.

The Bank’s capital incorporation in strategically important enterprises of the Republic enables its participation in investment in enterprises of various sectors of the economy, their modernization, technological and technical re-equipment.

Businesses

Support for high-tech and socially significant sectors of the national economy, financing of modernization of existing and implementation of new productions, support for small businesses, creation and development of consumer goods productions based on processing of local raw materials.

The main borrowers of the Bank are large domestic manufacturers, small and private businesses.

Most of the investments are allocated to develop oil production and refining, mechanical engineering, food industry, non-ferrous and ferrous metallurgy, textile industry, agricultural production, communications infrastructure, transport and tourism.

Financing of national-scale facilities

Loans from the National Bank are involved in almost all sectors of the economy of Uzbekistan. The great share in the structural transformations of the economy covers the development of communication systems — rail, road and aviation. The loans are also allocated to the development of priority sectors of the economy, financing of modernization of existing and implementation of new high-level productions, support for small businesses, creation and development of import-substituting consumer goods industries based on the processing of local raw materials.

Bank is systemically important for the Reporting and provides loans to the largest enterprises of the Republic of Uzbekistan under government guarantees. This determines low diversification of the loan portfolio, low return on assets, as well as a strong dependence on the financial policy of the Republic of Uzbekistan.

Irina Veliyeva — RA Expert, 2009

The Bank provided financing for the development of many strategically important business facilities:

•        construction of the Bukhara Oil Refinery.
•        construction of Tashguzar — Boysun — Kumkurgan railway line.
•        reconstruction of the Fergana Oil Refinery.
•        modernization of Navoi TPP.
•        reconstruction and modernization of the airport in Navoi city.
•        upgrade and unification of the aircraft fleet of ‘Uzbekistan Airways’ NAC.
•        supply of mining equipment for the Navoi Mining and Metallurgical Combine.
•        construction of ‘Akhangaran — Pungan gas pipeline.
•        purchase of CASE agricultural machinery for Uzagromashservis Association and Uzprommashimpeks State Joint Stock Foreign Trade Company.
•        construction of a propane-butane mixture plant to increase the production of liquefied gas at the Mubarak Gas Processing Plant.
•        purchase of Daimler-Chrysler buses for the Tashgorpasstrans Association.
•        purchase of passenger electric locomotives for Temir Yollari State Joint Stock Railway Company.
•        upgrade and equipage of the existing fleet of drilling installations of Uzbekneftegaz NHC.
•        construction of gas dehydration at the Kungrad compressor station.

As well as number of other investment projects implemented .

Ratings[edit]

The NBU is a credit and financial institution of the country rated by such international agencies as Moody’s Investors Service and Standard & Poor’s. The receiving and confirmation of high marks from leading international rating agencies remains relevant and important for the NBU.

December 24, 2018 was marked by an increase in long-term credit rating by Standard & Poor’s international rating agency from ‘B+’ to ‘BB-‘.

• since 1993, according to the ratings of The Banker magazine, the National Bank is in the first thousand of the largest banking institutions all over the world with 862nd place .
• 1998 — the Euromoney magazine recognized the National Bank of the Republic of Uzbekistan as the best bank in Uzbekistan, and in 2002, according to the same magazine, the NBU was recognized as the “Bank of the Year» .
• 2000 — Thomson Bank wath (TBW) confirmed a credit rating of LC-1 and a country rating of IC-B / C .
• 2001 — ‘The Best Bank of Uzbekistan’ from The Banker.
• 2002 — ‘The Best Bank of Uzbekistan’ from Euromoney and Global Finance .
• 2004 — The Best Bank of Uzbekistan’ from Global Finance.
• 2012 — the Bank recognized as the best bank of the year in attracting deposits in a contest held by the Central Bank of the Republic of Uzbekistan and the Association of Banks of Uzbekistan . According to the study of the CIS banking sector by the RIA Rating Agency, the Bank was ranked 50th in the ‘list of the largest CIS banks’ .
• 2013 — the Bank recognized as the best bank of the year in attracting deposits and the most innovative bank in a contest held by the Central Bank of the Republic of Uzbekistan and the Association of Banks of Uzbekistan . According to RIA Rating Agency, the Bank was ranked 55th in the ‘list of the CIS largest banks’ .

Operations[edit]

As for January 1, 2005 credit portfolio volume totaled 2, 418.4 billion soums (if compared with January 1, 2004 — 2,312.3 billion soums).

By 2014 the bank serviced more than 70% of Uzbekistan’s foreign trade turnover, using credit lines offered by the European Bank for Reconstruction and Development, Asian Development Bank and the International Finance Corporation, the bank finances investment projects involving the construction, modernization and technical re-equipment of industries as well as purchase of raw materials.

The National Bank of Uzbekistan is a universal commercial bank rendering a full range of banking services, including investment business, project and foreign trade financing, asset management, cash management services for private and corporate clients, mortgage and consumer lending.

The Bank has an extensive branch network.In 2018, the bank’s assets amounted to 56,524.57 billion soums, own capital — 5,722.02 billion soums, net profit — 506.56 billion soums

Дочерние компании

Азия-Инвест Банк

АО «Азия-Инвест Банк» был создан в 1996 году в соответствии с Межправительственным Соглашением между Россией и Узбекистаном «Об основных принципах и направлениях экономического сотрудничества на 1996-1997 годы» в России (Москва) с целью дальнейшего развития сотрудничества в России. финансово-банковский сектор, первый узбекско-российский совместный банк.

НБУ Инвест группа

31 марта 2008 года была создана дочерняя компания Открытое акционерное общество NBU Invest Group с уставным капиталом 25 миллионов долларов США. Основная цель создания NBU Invest Group — создание компании, способной осуществлять реструктуризацию и управление активами предприятий Узбекистана, а также привлекать иностранные инвестиции для развития реального сектора экономики страны.

Основной бизнес — это управление активами. Оперативное управление промышленными предприятиями направлено на повышение эффективности производства и включает бизнес-планирование, маркетинг, мониторинг деятельности предприятия, управление каналами продаж и отношениями с поставщиками, управление персоналом, анализ затрат и результатов. Участие в инвестиционных проектах НБУ.

Subsidiaries[edit]

Asia-Invest Bankedit

JSC «Asia-Invest Bank» was established in 1996, in accordance with the intergovernmental Agreement between Russia and Uzbekistan «On the basic principles and directions of economic cooperation for 1996-1997» in Russia (Moscow), in order to further develop cooperation in the financial and banking sector, the first Uzbek-Russian Joint Bank.

NBU Invest groupedit

On March 31, 2008, a subsidiary company, Open Joint-Stock Company NBU Invest Group, was established with a charter capital of $25 million. The main purpose of the creation of the NBU Invest Group is to establish a company capable of restructuring and managing the assets of Uzbekistan’s enterprises, as well as attracting foreign investment to develop the real sector of the country’s economy.

The main business is asset management. Operational management of industrial enterprises is aimed at improving production efficiency and includes business planning, marketing, monitoring the activities of the enterprise, managing sales channels and supplier relations, personnel management, cost and performance analysis. Participation in investment projects of the NBU.

Внешнеэкономическая деятельность

Внешнеэкономическая деятельность Национального банка Узбекистана направлена ​​на углубление экономических и коммерческих связей Республики Узбекистан с зарубежными странами, привлечение инвестиций и передовых технологий в экономику страны посредством сотрудничества с иностранными банками и международными финансовыми институтами (МФИ).

Сотрудничество на постоянной основе обеспечивает дальнейшее укрепление позиций Национального банка Узбекистана на мировом финансовом рынке за счет расширения сотрудничества с иностранными банками в области коммерческого и проектного финансирования, привлечения кредитных линий, международных расчетов, казначейских операций на денежном и валютном рынках.

У Национального банка Узбекистана около 700 банков-корреспондентов в 81 стране мира. Крупнейшими банками-партнерами с открытыми корреспондентскими счетами являются такие всемирно известные банки, как: JP Morgan Chase, Citibank, The Bank of New York Mellon, Commerzbank, Deutsche Bank, Societe Generale, Credit Suisse, SMBC, MUFG Bank, Сбербанк России и др.

Партнерами среди иностранных банков и МФО являются Банк развития Китая, Экспортно-импортный банк Китая, Экспортно-импортный банк Кореи, Эксимбанк США, Газпромбанк, ВЭБ.РФ, Сбербанк России, Credit Suisse, AKA Bank, Raiffeisen Bank, ODDO BHF, NATIXIS, Credit Agricole, Commerzbank, Deutsche Bank, Landesbank Baden-Wuerttemberg, Европейский банк реконструкции и развития и др.

26 августа 2019 года в Пекине Национальный банк внешнеэкономической деятельности Республики Узбекистан подписал кредитное соглашение с Банком развития Китая (CDB) на привлечение кредитной линии в китайских юанях на сумму 500 млн в рамках 5-го заседания узбекской -Китайский межправительственный комитет по сотрудничеству. Кредитное соглашение в китайских юанях — первый подобный документ, подписанный с ведущим китайским финансовым учреждением в истории сотрудничества НБУ.

14 декабря 2019 года АО « Национальный банк Узбекистана » подписал соглашение о привлечении средств в национальной валюте для финансирования проектов малого и среднего бизнеса на сумму 953 млрд сум (100 млн долларов США) с компанией Frontera Capital (Великобритания). Это первая сделка финансового учреждения по привлечению средств в национальной валюте.

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